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Want to see if your relationship will last? Check your partner's credit score
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A paper by the U.S. Federal Reserve indicates that a correlation between shared high credit scores between partners and relationship success exists. What does that mean for you and your partner? - photo by Payton Davis
If lovers want to exchange vows in the future, they might want to disclose credit scores now, a paper from the U.S. Federal Reserve Board stated.

According to Mic, people's scores not only help them reap financial benefits but also predict whether they'll have long-lasting relationships. The paper indicated there's "a strong correlation between shared high credit scores between partners and long-term relationship success."

What's the Federal Reserve Board's lesson?

Stop putting off credit-monitoring to go somewhere in relationships, Mic's article read.

According to The Atlantic, economists analyzed data from the Fed's consumer-credit panel to understand the credit scores of couples in committed relationships.

The researchers tracked credit scores of millions of U.S. citizens over a 15-year period and found people started relationships with others whose credit scores compared to theirs, with couples with high credit scores lasting longer, The Independent reported.

On the other hand, couples who had large credit score gaps or poor, similar scores were more likely to call it quits, according to The Independent. Struggles regarding debt management, paying bills and saving money all explained why those couples split.

And Mic reported that's unfortunate news for millennials a group with less-than-impressive credit.

"(Young adults') credit scores are notoriously low, with most millennials averaging a meager 625 out of a possible 850 ... " according to Mic. "The prognosis is not good, according to the study: Low credit scores appeared to be clear indicators of subsequent relationship failure, as couples with an average credit score of 450 or less were found to be twice as likely to break up within four years than a couple with an average score of 750."

The Fed's paper stated "every additional 100 points" in a couple's average credit score dropped odds of separating by 30 percent, and according to Quartz, if a difference between couple's individual scores was greater than 66 points, the couple was more likely to break up within years two through four of the relationship.

In addition, Quartz reported a "pair's credit scores are likely to converge slightly over the course of a relationship."

The paper's authors wrote their research shows people's credit affects their lives in more ways than they thought.

"With the growing importance of household credit, credit scores have become a prominent characteristic of individuals that extends to areas outside the household finance sector," the authors reported.

"Creditworthiness" could hint at "an individual's general trustworthiness and commitment" in aspects that don't even deal with finance, Quartz's piece indicated like who takes out the trash or remembers special occasions.

According to Forbes, people set on improving their credit scores should first check them using a credit bureau. After that, consider getting a credit card and using it responsibly.

But that's as long as card users pay on time.

"When you pay a bill late, that information gets routed onto your credit reports and results in a lower credit score," according to Forbes. "Set up auto-pay to ensure you always pay on time. If you accidentally miss a due date, make the payment as soon as you realize credit bureaus are usually only notified after it has been 30 days."
Its toxic: New study says blue light from tech devices can speed up blindness
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A new study from the University of Toledo found that blue light from digital devices can transform molecules in your eyes retina into cell killers. - photo by Herb Scribner
It turns out checking Twitter or Facebook before bed is bad for your health.

A new study from the University of Toledo found that blue light from digital devices can transform molecules in your eyes retina into cell killers.

That process can lead to age-related macular degeneration, which is a leading cause of blindness in the United States, according to the researchs extract.

Blue light is a common issue for many modern Americans. Blue light is emitted from screens, most notably at night, causing sleep loss, eye strain and a number of other issues.

Dr. Ajith Karunarathne, assistant professor in the UT Department of Chemistry and Biochemistry, said our constant exposure to blue light cant be blocked by the lens or cornea.

"It's no secret that blue light harms our vision by damaging the eye's retina. Our experiments explain how this happens, and we hope this leads to therapies that slow macular degeneration, such as a new kind of eye drop, he said.

Macular degeneration is an incurable eye disease that often affects those in their 50s or 60s. It occurs after the death of photoreceptor cells in the retina. Those cells need retinal to sense light and help signal the brain.

The research team found blue light exposure created poisonous chemical molecules that killed photoreceptor cells

"It's toxic. If you shine blue light on retinal, the retinal kills photoreceptor cells as the signaling molecule on the membrane dissolves," said Kasun Ratnayake, a Ph.D. student researcher working in Karunarathne's cellular photo chemistry group. "Photoreceptor cells do not regenerate in the eye. When they're dead, they're dead for good."

However, the researchers found a molecule called alpha-tocopherol, which comes from Vitamin E, can help prevent cell death, according to Futurism.

The researchers plan to review how light from TVs, cellphones and tablet screens affect the eyes as well.

"If you look at the amount of light coming out of your cellphone, it's not great but it seems tolerable," said Dr. John Payton, visiting assistant professor in the UT Department of Chemistry and Biochemistry. "Some cellphone companies are adding blue-light filters to the screens, and I think that is a good idea."

Indeed, Apple released a Night Shift mode two years ago to help quell blue lights strain on the eyes, according to The Verge. The screen will dim into a warmer, orange light that will cause less stress on the eyes.